An insurance contract sold to (x) and (y) provides for a death benefit of 1 unit at the moment of the first death and 3 units at the moment of the second death. Annual premiums are payable while at least one of the two is living. The annual rate of premium payment reduces to three quarters of the initial rate upon the first death. You are given that (x) is subject to a constant force of mortality of 0.2, and (y) is subject to a constant force of mortality of 0.3. The force of interest is a constant 0.1. Find the initial annual rate of premium payment.